Payday loans are offered to US citizens who are stuck in their mid-month expenditures, without a source of quick funds to solve their financial problems. The beneficiaries have to be employed so as to be able to pay back the loans at the end of the month. These loans can be borrowed from normal payday loan lenders, whose loans take a bit of time before getting finalized. This is due to officials who handle the transaction between you and the main lender. If you need a faster loan however, you should get it from direct payday lenders no third party. The brokers only increase the time of the loan processing and the rates you pay too. This is because they have to be paid a commission, which is incorporated in the rates you pay.Direct lenders however will only charge you the actual rates and process the loan quickly because, being the owners of the money, they make all the decisions single handedly without wasting time with consultations. In that case, any time you need a loan you should read all the terms and conditions of the lender you select, to ascertain that he or she is a direct lender. It is better to be cautious than to regret afterwards.